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X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

NYSE:XYF - New York Stock Exchange, Inc. - US98372W2026 - ADR - Currency: USD

13.65  +0.32 (+2.4%)

After market: 13.65 0 (0%)

Fundamental Rating

5

Taking everything into account, XYF scores 5 out of 10 in our fundamental rating. XYF was compared to 52 industry peers in the Consumer Finance industry. While XYF belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. While showing a medium growth rate, XYF is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

XYF had positive earnings in the past year.
Of the past 5 years XYF 4 years were profitable.
In multiple years XYF reported negative operating cash flow during the last 5 years.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

With an excellent Return On Assets value of 13.03%, XYF belongs to the best of the industry, outperforming 92.31% of the companies in the same industry.
XYF has a better Return On Equity (22.15%) than 80.77% of its industry peers.
XYF has a Return On Invested Capital of 28.03%. This is amongst the best in the industry. XYF outperforms 96.15% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for XYF is significantly above the industry average of 9.28%.
The last Return On Invested Capital (28.03%) for XYF is above the 3 year average (16.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 13.03%
ROE 22.15%
ROIC 28.03%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

Looking at the Profit Margin, with a value of 26.23%, XYF belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
In the last couple of years the Profit Margin of XYF has remained more or less at the same level.
Looking at the Operating Margin, with a value of 58.84%, XYF belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of XYF has grown nicely.
XYF has a Gross Margin of 70.40%. This is in the better half of the industry: XYF outperforms 67.31% of its industry peers.
XYF's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 58.84%
PM (TTM) 26.23%
GM 70.4%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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4

2. Health

2.1 Basic Checks

XYF has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The debt/assets ratio for XYF has been reduced compared to a year ago.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

XYF has an Altman-Z score of 2.55. This is not the best score and indicates that XYF is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.55, XYF is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
A Debt/Equity ratio of 0.39 indicates that XYF is not too dependend on debt financing.
XYF's Debt to Equity ratio of 0.39 is fine compared to the rest of the industry. XYF outperforms 76.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF N/A
Altman-Z 2.55
ROIC/WACC5.73
WACC4.89%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

A Current Ratio of 1.36 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a Current ratio (1.36) which is comparable to the rest of the industry.
XYF has a Quick Ratio of 1.36. This is a normal value and indicates that XYF is financially healthy and should not expect problems in meeting its short term obligations.
XYF has a Quick ratio (1.36) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.36
Quick Ratio 1.36
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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4

3. Growth

3.1 Past

XYF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.46%, which is quite impressive.
XYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.75% yearly.
The Revenue has grown by 21.95% in the past year. This is a very strong growth!
The Revenue has been growing by 13.71% on average over the past years. This is quite good.
EPS 1Y (TTM)29.46%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%106.15%
Revenue 1Y (TTM)21.95%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%43.27%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.77, which indicates a rather cheap valuation of XYF.
Compared to the rest of the industry, the Price/Earnings ratio of XYF indicates a rather cheap valuation: XYF is cheaper than 98.08% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.18, XYF is valued rather cheaply.
Industry RankSector Rank
PE 2.77
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The excellent profitability rating of XYF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.17
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.43%, XYF has a reasonable but not impressive dividend return.
XYF's Dividend Yield is a higher than the industry average which is at 4.49.
XYF's Dividend Yield is comparable with the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 2.43%

5.2 History

XYF has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

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X FINANCIAL-ADR

NYSE:XYF (5/2/2025, 8:04:00 PM)

After market: 13.65 0 (0%)

13.65

+0.32 (+2.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-19 2025-03-19
Earnings (Next)05-29 2025-05-29
Inst Owners2.02%
Inst Owner Change-0.75%
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap576.16M
Analysts45
Price TargetN/A
Short Float %2.18%
Short Ratio0.46
Dividend
Industry RankSector Rank
Dividend Yield 2.43%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.77
Fwd PE N/A
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.6
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)4.92
EY36.04%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS19.13
BVpS22.65
TBVpS22.54
PEG (NY)N/A
PEG (5Y)0.17
Profitability
Industry RankSector Rank
ROA 13.03%
ROE 22.15%
ROCE 36.06%
ROIC 28.03%
ROICexc 31.12%
ROICexgc 31.41%
OM 58.84%
PM (TTM) 26.23%
GM 70.4%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexcg growth 3Y18.75%
ROICexcg growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 0.39
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.36
Quick Ratio 1.36
Altman-Z 2.55
F-ScoreN/A
WACC4.89%
ROIC/WACC5.73
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.46%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%106.15%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.95%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%43.27%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y57.79%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A